Health, Dental and Travel Insurance

Why you may need insurance

In most cases, the employer health, dental and life insurance benefits you had while working will end in retirement or when you reach age 65. The Ontario Health Insurance Plan (OHIP) covers some, but not all, medical services. And OHIP doesn't provide dental or out-of-country medical coverage. You can get the insurance you need through MROO once your employer benefits end.

Our offer

As a member of MROO, you and your spouse have access to five insurance plans:

All of our plans are administered by Victor (formerly ENCON).  They have been MROO's insurance manager for over 30 years.

Getting started

Get complete plan information about MROO’s insurance coverage for members and enroll online at You can also call Victor at 1-800-363-7861, or email them at

Benefits to you

  • We offer comprehensive insurance benefits and services not available through other retiree plans.
  • Our rates are competitive and do not increase with age.
  • Once insured, you (and your spouse) can keep your health, dental and annual travel insurance for life.


You could mail your benefits enrollment in the MROO health insurance plan to Victor. However, there are ways to enroll that may be faster and easier for you, as outlined in this latest update from Victor.